FINANCE SOLUTIONS TO HELP YOU GROW YOUR BUSINESSTom Uhlich
Are you looking to set up your own business? Or perhaps you would like to access equipment finance to help your endeavours grow?
Whatever your situation, AFG has a suite of commercial finance solutions to suit your needs.
AFG provides professional advice on a full range of commercial and business finance options that includes equipment finance, business loans, debtor finance, commercial property finance and property development.
Building on the formidable relationships that AFG has developed with Australia’s leading financial institutions in the residential mortgage sector, AFG is able to provide access for commercial lending clients to a product range and level of professional service that is second to none.
To stay one step ahead, we are also continually sourcing new lenders, whether they are mainstream, non-bank or private lenders. This is part of our commitment to providing the best choice and service possible to you.
Need to grow your business?
Whatever your circumstances, your consultant will find the deal that’s right for you, not the lender. We can arrange for a mortgage consultant near you to get in touch to discuss your options.
What can a commercial consultant do for my business?
It’s not just about finding good interest rates and saving you money. It’s about providing opportunities for you to make money and build your business.
The first thing we do is to meet you and get an understanding your business and what you need to make it grow. The better we get to know you, the better we can match the right product with your needs. And there are many ways we can help you finance your business growth.
If you want to protect your cash flow, it makes sense to use equipment finance to avoid outlaying a large sum all at once. Reassessing your options and refinancing with a new business loan product can protect hard earned profits with reduced fees and better rates; or it can be a chance to simplify your financing to make things easier to manage. Debtor finance can unlock cash from invoices as soon as they are issued. It can also remove the family home from the lenders security position.
And property finance can secure better premises or help develop new ones. Longer loans available with some lenders can take pressure off your cash flow.
And because we’re in constant contact with the lenders we can also advise you on lenders’ criteria to assist you in getting a quick and successful approval.
At the end of the day, it’s like having your own personal CFO or Financial Controller working for you on call, anytime, but without the big salary on your payroll.
Vehicle and equipment finance can be the smart way to go for many businesses
AFG’s equipment financing solutions will enable your clients’ businesses access to the latest technology without a large outlay, whether it be light vehicles, plant equipment or IT. The solutions will assist them to preserve their working capital, helping you keep their business up-to-date and ahead, and offer a flexible payment plan that fits with their business’s cash flow.
The benefits can include:
- With no capital outlay required, financing frees up cash for the day to day running of your client’s business.
- Budgeting is much easier as repayments are fixed for the term of the agreement.
- You can arrange one off pre approvals or a line of credit. This gives your clients the security to purchase the equipment you want when they want.
- As repayments are fixed for the term of the agreement they are protected against inflation.
- Equipment finance allows your clients to pay for the equipment from the income they are generating from its use.
- Clients have the ability to source their equipment and negotiate a price independently.
Let’s keep it simple
It’s easier. We start by meeting you at a time and place that suits you – at home, your office or over a coffee – we’re always flexible. We’ll look at your current loans, financial circumstances and then research and find the right solution for you. We take care of the paperwork and manage the application process through to approval.
It’s simplier. We can take hassle out of dealing with the lenders. Experienced consultants understand Bank jargon and can cut through the red tape to organize your application and secure your finance as quickly as possible.
It’s more than just loans. Lenders may and sell you additional products and services you may not require or are available at a better price elsewhere. Consultants will know what you want and arrange it at a competitive cost.
It’s all about you. We work for you and not the bank. Unlike the banks we get to know you personally to understand your unique circumstances. From our experience we know which lenders will have the best product to meet what it is you need from your finance. And we negotiate for what’s best for you, not the lenders.
Why wouldn’t I just go straight to a bank?
The banks will want everything, your house, your business and all that is associated with them.
There are a lot of options out there, which makes it hard for most people to choose the right product for them. Sometimes, having all your finances with the one Bank may not be the right option. And, with the Reserve Bank moving official interest rates and banks moving them independently, it’s an ever-changing market. Not to mention all the new products that are constantly introduced.
With choice comes complexity. It can get tricky to navigate through it all. And it can take a lot of your time. A mortgage consultant will steer you through this to find the finance product that suits your business’s needs and not the banks’. We then deal with the lender and manage your application process through to approval.
In the simplest terms, a mortgage consultant makes it easy – saving you time and, hopefully, a lot of money.